Micro banking, who and how

Micro Banking is a business segment of the banking sector to serve more small business market, micro and medium (MSMEs), the opportunity is still very big on this segment to make foreign and local investors are interested to be able to enter and compete in order to benefit most from the sector.

Micro Banking in Indonesia is dominated by one of the government, namely the Bank of Bank Rakyat Indonesia (BRI) of the market sector MSMEs ± 30%, ± 5% followed by some of the BPR, Koperasi and Baitul Malwat Tanwil (BMT). So long ± 65% market share MSMEs sector does not doing with maximum by private or government.

Some of the Bank of the Government and the private sector has been trying to enter the market, but the trip when the constraints, they fail as Bank Mandiri, BNI and Bank Danamon. Then in 2004 one of the private banks namely Bank Danamon try again to enter this market. Danamon launched Micro Banking Segment with the name Danamon Simpan Pinjam, or better known as the DSP in the community, led by Djemi Suhenda.

Year 2008, the pop - new players in micro banking sector, among others Bank Mega with Mega Mitra Syariah (M2S), Bank Panin, Bank BTPN and several other banks. Including Bank Mandiri, also start again on Micro banking sector. Not only that, many players who will participate in the world such as Micro Banking like CIMB Niaga and more ...we wait ....